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How long can I wait to pay a bill before it shows up on my credit report as being late?

Payments must be at least 30 days late before they can appear on your credit report. Since this is not a long period of time, it is best to pay your bills as soon as possible or in a timely manner after receiving them.

How much will it cost me to obtain a copy of my credit report?

The cost of your credit report will vary upon which bureau you request it from and which state you live in.

What is credit?

Credit is the reputation you have earned for paying your bills on time that makes it possible for you to receive loans, etc. with the understanding that you will pay for them later.

Can anyone get a copy of my credit report?

No, some individuals and businesses are allowed, for business reasons, to obtain credit reports on people other than themselves, but there are strict laws and penalties in place to ensure that this privilege is not abused.

Is a lender who requested a copy of my credit report allowed to show it to me?

The credit bureaus do not allow most lenders to show you a copy of your own credit report. However, you can purchase a copy of your credit report from the credit bureaus.